P.RO Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €356k and a net result of €-1k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 9864 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
31 d late
2022
41 d early
2021
17 d early
2020
30 d early
2019
3 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€356k▼ 0.4%
2023 · €357k
2018: €154k
2019: €191k
2020: €227k
2021: €300k
2022: €373k
2023: €357k
2018 → 2024
Net result
€-1k▲ 91.4%
2023 · €-16k
2018: €41k
2019: €31k
2020: €36k
2021: €73k
2022: €73k
2023: €-16k
2018 → 2024
Total assets
€401k▲ 11.5%
2023 · €359k
2018: €162k
2019: €197k
2020: €241k
2021: €326k
2022: €403k
2023: €359k
2018 → 2024
Solvency
88.8%▼ 10.6pp
2023 · 99.4%
2018: 95.2%
2019: 96.9%
2020: 94.3%
2021: 92.1%
2022: 92.7%
2023: 99.4%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€227k-€300k▲ 32.0%€373k▲ 24.4%€357k▼ 4.3%€356k▼ 0.4%
Operating result€42k-€102k▲ 143%€96k▼ 6.0%€-20k€-2k▲ 89.4%
Net result€36k-€73k▲ 101%€73k▲ 0.7%€-16k€-1k▲ 91.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2024 against €20k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €401k
Fixed assets
€24k▼ 26.2%
Current assets
€377k▲ 15.2%
Equity and liabilities €401k
Equity
€356k▼ 0.4%
Debt
€45k▲ 2,091%
The debt ratio rises from 0.6% to 11.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
88.8%▼
2023 · 99.4%
ROE
-0.4%▲
2023 · -4.5%
ROA
-0.3%▲
2023 · -4.4%
Debt
€45k▲
2023 · €2k
Debt ≤ 1 year
€45k▲
2023 · €2k
Income taxes
€2k▼
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€359k€401k▲
Fixed assets21/28€32k€24k▼
Tangible fixed assets22/27€16k€8k▼
Furniture and vehicles24€16k€8k▼
Financial fixed assets28€16k€16k=
Current assets29/58€328k€377k▲
Amounts receivable within one year40/41€1k€3k▲
Trade receivables40€538€3k▲
Other amounts receivable41€518-
Current investments50/53€238k€275k▲
Cash at bank and in hand54/58€88k€99k▲
Deferred charges and accrued income490/1€491-
Equity and liabilities
Total equity and liabilities10/49€359k€401k▲
Equity10/15€357k€356k▼
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€339k€337k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€337k€336k▼
Amounts payable17/49€2k€45k▲
Amounts payable within one year42/48€2k€45k▲
Trade debts44€1k€946▼
Suppliers440/4€1k€946▼
Taxes, remuneration and social security45€916€910▼
Taxes450/3€916€910▼
Other amounts payable47/48-€43k
Accrued charges and deferred income492/3€70-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8€29k€4k▼
Gross operating margin9900€18k€10k▼
Operating profit (loss)9901€-20k€-2k▲
Financial income75/76B€8k€5k▼
Recurring financial income75€8k€5k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-13k€1k▲
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€-16k€-1k▲
Profit (loss) for the period to be appropriated9905€-16k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-1k▲
Transfer from equity791/2€16k€1k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-16k ▼122%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 13current ratio 165.71
Current ratio from 12.30 to 165.71; short-term debt falls from €29k to €2k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €73k ▲0.7%
Net result €73k, the highest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €227k ▲18.9%
3 profitable years in a row build equity to €227k.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
27-12-2023
Resigned as Director
Location & real-estate footprint
Registered office, Tessenderlo-Ham · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Sportlaan 93945 Tessenderlo-HamGround area
1,080 m²
Building footprint
138 m²
Volume, LiDAR
592 m³
Parcel 71033B0272/00G000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Sportlaan 9, 3945 Tessenderlo-Ham
since 20152.241.908.837
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033B0272/00G000 | Flanders | 1,080 m² | 1 · 138 m² | 6.4 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
967600FGXF53G27KE675
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CURRENT
BE 0648.742.235
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,768 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.